My PDQ is:
My PDQ is:
My PDQ is:
14%
29%
45%
WHAT’S YOUR
PERSONAL DISABILITY
QUOTIENT (PDQ)?
IT’S THE NUMBER
SO MUCH DEPENDS ON.
Your PDQ represents your chance of
becoming seriously ill or injured and
unable to work for an extended period
of time. And with so much riding on
your ability to earn an income, it’s
one very important number to know.
To calculate your PDQ, you’ll need
to answer six simple questions.
1. AGE/GENDER
What is your age?
<25
25-34
35-44
45-54
55+
points
male
18
13
9
1
0
female
22
16
10
1
0
your points
2. OCCUPATION
What kind of work do you do?
Mostly office work/indoors
Little office work/indoors
Little physical work/outdoors
Mostly physical work/outdoors
points
0
8
18
20
your points
3. BODY MASS INDEX
Do you consider yourself to be...
About the right size
Underweight
Overweight
Obese
points
0
0
8
21
your points
4. TOBACCO
Have you used tobacco products in the past year?
points your points
Yes
10
No
0
Minimize Your Risk
Visit www.DisabilityCanHappen.org
to learn:
Five Questions every worker
should ask.
How to prepare a Financial
Security Plan.
Wellness tips to help you embrace
a healthy lifestyle.
5. LIFESTYLE
How healthy is your lifestyle? Consider regular physical
exams, regular exercise, stress, sleep and eating habits,
drug or alcohol abuse.
points your points
Very healthy
0
About average
3
Not very healthy
7
6. MEDICAL CONDITIONS
Do you have or are you undergoing treatment for: diabetes,
high blood pressure, high cholesterol, heart disease, cancer,
chronic back or joint pain, drug, alcohol or food addiction,
anxiety or depression?
points your points
No
0
Yes
12
YOUR TOTAL POINTS
What do your above numbers add up to?
See other side to finalize your PDQ...
COPY YOUR TOTAL POINTS
FROM FRONT
YOUR CHANCE OF BECOMING DISABLED
Check the box that reflects your total points below. Read across to see your estimated chance of
becoming disabled and unable to work for three months or longer before the age of 65.
less than 25 points
5-25% chance (below average)
25-35 points
25-35% chance (about average)
36-49 points
35-50% chance (above average)
50+ points
50% or more chance (significantly above average)
THE LENGTH OF TIME YOUR DISABILITY MAY LAST
Find your age, then read across to see the estimated length of time your disability may last.
Age
20-24
Average
length of
your disability*
69 months
Your probability
of disability* lasting
5 years or more
30%
25-29
74 months
32%
30-34
78 months
35%
35-39
82 months
38%
40-44
85 months
40%
45-49
86 months
43%
50-54
86 months
45%
55+
84 months
46%
*For disabilities lasting three months or longer.
NEXT STEPS
1. Visit www.WhatsMyPDQ.org for an interactive version of the PDQ and to estimate the financial
impact of a disability.
2. Seek planning advice from your financial adviser or your employer’s human resources professional.
About the Personal Disability Quotient (PDQ). The Personal Disability Quotient and the PDQ Calculator
were developed by the Council for Disability Awareness. The statistical basis for the PDQ Calculator is
the 1985 Commissioners’ Individual Disability Tables A and C, Society of Actuaries.
About the Council for Disability Awareness (CDA). The CDA is a non-profit group dedicated to
helping the American workforce become aware of the growing likelihood of disability and its financial
consequences. For more information, visit www.DisabilityCanHappen.org. For questions about the
PDQ or CDA, please call 207.774.2634.